Home purchase lenders in Guilford County
5,928 home purchase mortgages were made in Guilford County, North Carolina, in 2025, by 385 lenders. The median rate their borrowers got was 6.500% on a median loan of $255,000. Of 7,165 decisions, 1,016 were denials — 14.2%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| STATE EMPLOYEES' | 457 | 5.900% | $255,000 | 13.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 388 | 6.500% | $215,000 | 0.5% |
| MOVEMENT MORTGAGE, LLC | 323 | 6.625% | $225,000 | 3.8% |
| DHI MORTGAGE COMPANY, LTD. | 253 | 4.990% | $315,000 | 19.6% |
| Rocket Mortgage, LLC | 227 | 6.500% | $295,000 | 10.5% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 201 | 6.500% | $315,000 | 1.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 177 | 6.490% | $265,000 | 7.2% |
| GUARANTEED RATE, INC. | 176 | 6.450% | $255,000 | 2.2% |
| Truist Bank | 151 | 6.300% | $305,000 | 10.5% |
| First National Bank of Pennsylvania | 147 | 6.250% | $245,000 | 8.5% |
| Pinnacle Bank | 132 | 6.250% | $185,000 | 19.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 131 | 6.625% | $285,000 | 2.9% |
| Prosperity Home Mortgage, LLC | 123 | 6.375% | $295,000 | 3.1% |
| 21st Mortgage Corporation | 119 | 11.470% | $55,000 | 68.6% |
| Mortgage Research Center, LLC | 111 | 6.500% | $275,000 | 12.5% |
| UNION HOME MORTGAGE CORP. | 111 | 6.625% | $235,000 | 1.7% |
| Fairway Independent Mortgage Corporation | 101 | 6.750% | $225,000 | 7.3% |
| EQUITY RESOURCES, INC. | 81 | 6.625% | $235,000 | 4.7% |
| JPMorgan Chase Bank, National Association | 77 | 6.375% | $255,000 | 13.4% |
| Ameris Bank | 74 | 6.625% | $235,000 | 3.9% |
| Truliant Federal Credit Union | 71 | 6.750% | $205,000 | 35.9% |
| GUILD MORTGAGE COMPANY | 71 | 6.500% | $195,000 | 5.5% |
| Alcova Mortgage LLC | 69 | 6.625% | $235,000 | 3.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 63 | 6.625% | $275,000 | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 60 | 6.625% | $275,000 | 0.0% |
| Bank of America, National Association | 58 | 6.000% | $265,000 | 22.7% |
| First-Citizens Bank & Trust Company | 57 | 6.000% | $305,000 | 3.3% |
| Broker Solutions, Inc. | 53 | 6.625% | $225,000 | 3.6% |
| Wells Fargo Bank, National Association | 52 | 6.375% | $265,000 | 17.5% |
| U.S. Bank National Association | 50 | 6.125% | $335,000 | 13.3% |
| Kiavi Funding, Inc. | 49 | 10.450% | $175,000 | 3.6% |
| CMG MORTGAGE, INC. | 49 | 6.750% | $265,000 | 1.8% |
| Navy Federal Credit Union | 48 | 6.125% | $325,000 | 14.3% |
| MORTGAGE INVESTORS GROUP, INC. | 48 | 6.250% | $305,000 | 9.3% |
| The Fidelity Bank | 41 | 6.750% | $315,000 | 4.3% |
| CANOPY MORTGAGE, LLC | 39 | 6.500% | $205,000 | 4.9% |
| Wolfe Financial, Inc | 38 | 6.813% | $290,000 | 2.6% |
| LATINO COMMUNITY CREDIT UNION | 33 | 7.500% | $165,000 | 0.0% |
| ENVOY MORTGAGE, LTD | 32 | 6.688% | $235,000 | 3.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 31 | 6.500% | $275,000 | 82.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 31 | 6.375% | $305,000 | 3.1% |
| NEWREZ LLC | 27 | 6.875% | $325,000 | 12.5% |
| Atlantic Union Bank | 27 | 6.500% | $275,000 | 6.9% |
| PENNYMAC LOAN SERVICES, LLC | 25 | 6.250% | $295,000 | 16.7% |
| Towne Bank | 24 | 6.505% | $245,000 | 7.4% |
| USAA Federal Savings Bank | 23 | 6.375% | $255,000 | 25.0% |
| Atlantic Coast Mortgage, LLC | 23 | 6.625% | $255,000 | 7.4% |
| VELOCIO MORTGAGE L.L.C. | 23 | 4.990% | $255,000 | 14.8% |
| THE LOAN STORE, INC. | 23 | 6.625% | $205,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 23 | 6.750% | $285,000 | 0.0% |
| KIND LENDING, LLC | 22 | 6.688% | $325,000 | 12.0% |
| Summit Mortgage Corporation | 21 | 6.500% | $175,000 | 12.5% |
| LOWER, LLC | 20 | 6.563% | $230,000 | 4.8% |
| Ixonia Bank | 20 | 6.750% | $250,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 19 | 6.250% | $215,000 | 32.3% |
| ALLEGACY FEDERAL CREDIT UNION | 19 | 6.340% | $275,000 | 9.5% |
| First Bank | 19 | 3.000% | $185,000 | 9.5% |
| PNC Bank, National Association | 18 | 6.688% | $245,000 | 18.2% |
| FREEDOM MORTGAGE CORPORATION | 17 | 6.250% | $255,000 | 15.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 16 | 6.625% | $235,000 | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 15 | 6.990% | $205,000 | 21.1% |
| American Security Mortgage Corp. | 15 | 6.750% | $305,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 15 | 6.375% | $305,000 | 6.3% |
| Tomo Mortgage, LLC | 14 | 6.433% | $405,000 | 12.5% |
| PULTE MORTGAGE LLC | 14 | 5.313% | $255,000 | 39.1% |
| FlexPoint, Inc. | 14 | 6.875% | $245,000 | 0.0% |
| Piedmont Federal Savings Bank | 14 | 6.775% | $205,000 | 6.7% |
| A&D Mortgage LLC | 13 | 6.625% | $315,000 | 0.0% |
| BAY EQUITY LLC | 13 | 6.375% | $245,000 | 0.0% |
| General Mortgage Capital Corporation | 13 | 6.490% | $205,000 | 7.1% |
| Renasant Bank | 13 | 6.125% | $415,000 | 0.0% |
| Click n' Close, Inc. | 12 | 6.625% | $205,000 | 7.7% |
| EMM LOANS LLC | 12 | 6.500% | $370,000 | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 12 | 7.312% | $195,000 | 7.7% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 12 | 7.438% | $235,000 | 0.0% |
| Toyota Financial Savings Bank | 12 | Not published | $365,000 | 0.0% |
| Integrity Home Mortgage Corporation | 11 | 6.375% | $255,000 | 0.0% |
| Loan Funder LLC | 10 | 11.200% | $185,000 | 16.7% |
| NBKC BANK | 10 | 6.500% | $400,000 | 9.1% |
| Southern First Bank | 10 | 6.875% | $375,000 | 0.0% |
| First Horizon Bank | 10 | 6.438% | $505,000 | 9.1% |
| VICTORIAN FINANCE, LLC | 10 | 6.313% | $225,000 | 0.0% |
| Equity Prime Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| ZILLOW HOME LOANS, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| CHAMPIONS FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Loandepot.Com, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SELF-HELP Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 36.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| 254900CTT87ZKAUTIJ37 | 7 | Under 10 loans | Under 10 loans | 30.0% |
| First Federal Bank | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Paramount Residential Mortgage Group, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bank OZK | 7 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCOASTAL MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Bank of England | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Oak Ridge | 6 | Under 10 loans | Under 10 loans | 11.1% |
| Plains Commerce Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 6 | Under 10 loans | Under 10 loans | 33.3% |
| C & F Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Mortgage of the Carolinas, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Citizens Bank, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Gateway First Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Blue Ridge Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SCHUMACHER MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| COASTAL Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AgFirst Farm Credit Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| UIF CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE AFFINITY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First National Bank of America | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GoPrime Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 3 | Under 10 loans | Under 10 loans | 57.1% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| United Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Summit Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900AH8L5ZM1JZET07 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Southern Bank and Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Uwharrie Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Select Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 57.1% |
| LOCAL GOVERNMENT | 2 | Under 10 loans | Under 10 loans | 66.7% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 50.0% |
| OriginPoint, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SKYLA FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEGEND LENDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 50.0% |
| JET HOMELOANS, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| JET DIRECT FUNDING CORP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Devon Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 185 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.